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- W4387259807 abstract "This study aims to identify the variables that influence customers’ decision-making process regarding credit uptake at a rural bank in Kepulauan Riau. The variables are service quality, requirements, relationship, promotion, and interest rate. Using a quantitative research design, the primary data collection method employed in this study is survey questionnaires. The sample consists of 170 rural bank customers in Kepulauan Riau, selected through purposive sampling. Service quality refers to the level of customer satisfaction with the bank’s services. Requirements assess the ease of meeting credit documentation and eligibility criteria. Relationships explore the trust and rapport established between customers and the bank. Promotions evaluate the marketing efforts employed by the bank. Interest rates reflect the cost of borrowing. The collected data will be analyzed using the Partial Least Square – Structural Equation Modeling (PLS-SEM) method by using SmartPLS 3.3.0. The findings will offer valuable insights to rural banks, aiding their understanding of the factors that influence customers’ credit decision-making process. The study will serve as a foundation for developing strategies aimed at enhancing customer satisfaction, improving service quality, and bolstering the bank’s competitive position in the market.
 Penelitian ini bertujuan untuk mengidentifikasi variabel yang memengaruhi proses pengambilan keputusan nasabah dalam mengambil kredit di Bank Perkreditan Rakyat (BPR) di Kepulauan Riau. Variabel tersebut berupa kualitas layanan, persyaratan, relasi, promosi, dan suku bunga. Dengan menggunakan desain penelitian kuantitatif, metode pengumpulan data utama yang digunakan dalam penelitian ini adalah kuesioner survei. Sampel penelitian terdiri dari 170 nasabah BPR di Kepulauan Riau yang dipilih melalui teknik purposive sampling. Kualitas layanan mengacu pada tingkat kepuasan nasabah terhadap layanan bank. Persyaratan mengevaluasi kemudahan pemenuhan dokumen dan kriteria kelayakan kredit. Relasi menggali kepercayaan dan hubungan antara nasabah dan bank. Promosi mengevaluasi upaya pemasaran yang dilakukan oleh bank. Suku bunga mencerminkan biaya pinjaman. Data yang terkumpul akan dianalisis dengan metode Partial Least Square-Structural Equation Modeling (PLS-SEM) dengan software SmartPLS 3.3.0. Temuan penelitian ini akan memberikan wawasan berharga bagi BPR, membantu pemahaman mereka tentang faktor-faktor yang memengaruhi proses pengambilan keputusan kredit nasabah. Penelitian ini akan menjadi dasar untuk mengembangkan strategi yang bertujuan untuk meningkatkan kepuasan nasabah, meningkatkan kualitas layanan, dan memperkuat posisi kompetitif bank di pasar." @default.
- W4387259807 created "2023-10-03" @default.
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- W4387259807 date "2023-09-29" @default.
- W4387259807 modified "2023-10-03" @default.
- W4387259807 title "Faktor-faktor yang memengaruhi keputusan mengambil kredit (Studi pada nasabah Bank Perkreditan Rakyat di Kepulauan Riau)" @default.
- W4387259807 doi "https://doi.org/10.24912/jmbk.v7i5.26508" @default.
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